Short answer
Citizens Financial Group (CFG) filed its Q3 2025 10-Q quarterly report on Nov 3, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $452M (up 23.2% year over year) with net income of $494M.
Q3 2025 key financials · XBRL
- Revenue
- $452M
- +23.2% YoY · +18.0% QoQ
- Net income
- $494M
- +29.3% YoY · +13.3% QoQ
- EPS (diluted)
- $1.05
- +38.2% YoY · +14.1% QoQ
Source: XBRL data from the Citizens Financial Group (CFG) Q3 2025 10-Q on SEC EDGAR. USD.
Citizens Financial Group Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue $2.12B Q3 2025, up $217M YoY; Net interest income $1.49B Q3 2025, up $119M YoY; EPS $1.05 Q3 2025 vs $0.77 YoY
- Operating margin (net interest margin, FTE) 3.00% Q3 2025 vs 2.77% YoY; ROTCE 11.75% Q3 2025 vs 9.45% YoY; efficiency ratio 63.03% Q3 2025 vs 66.23% YoY
- Consumer Banking best segment: Net income $383M Q3 2025 vs $327M YoY, net interest income up $106M; Non-Core worst segment: net loss $14M Q3 2025 vs loss $51M YoY
- Cash position: Parent company cash $3.2B vs $2.7B Dec 2024; common stock repurchases $75M Q3 2025, $475M YTD; issued $400M Series I Preferred; deposits $180B up $5.2B YTD
- Management outlook: Increased common dividend 9.5% to $0.46/share; expects no material impact from new tax legislation; cautious on macroeconomic headwinds including tariffs, inflation, geopolitical tensions impacting ACL and credit quality
Risk Factors
- No new or changed risk factors disclosed in 10-Q referencing 2024 Form 10-K risk section
- Credit risk from potential loan defaults remains significant per 2024 10-K disclosures
- Regulatory compliance risks continue affecting operations amid banking oversight and capital rules
- Market risk due to interest rate volatility impacts margin and asset valuations
- Liquidity management critical given funding concentration and debt maturity profiles
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
Other Citizens Financial Group quarterly reports
Ask about this quarter
Compare quarters, check guidance or see what insiders and funds did around the report.